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Heritage Insurance Holdings (HRTG)
NYSE:HRTG
Earnings Data
Report Date
Feb 26, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.98Last Year’s EPS
0.66Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Q3 2025
Earnings Call Date:Nov 05, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call was largely positive, highlighting significant growth in net income, record in-force premiums, and substantial new business growth. Key metrics such as the net loss ratio showed marked improvement. Although there were some challenges with a slight decline in net premiums earned and an increase in the ceded premium ratio, these were outweighed by the positive developments and strategic progress.Company Guidance
Significant Increase in Net Income
The company achieved a net income of $50.4 million in the third quarter, a substantial increase from $8.2 million in the same quarter last year. For the first nine months, net income rose to $129 million from $41 million in 2024.
Record In-Force Premiums
In-force premiums reached an all-time record of $1.44 billion, up from approximately $1.1 billion four years ago, reflecting successful strategic initiatives.
New Business Growth
New business premium written was $36 million, an increase of 166% compared to $13.7 million in the third quarter of last year. Growth was seen in multiple regions, including Florida, Virginia, Hawaii, and New York.
Improved Net Loss Ratio
The net loss ratio improved by 27.1 points to 38.3%, compared to 65.4% in the same quarter last year, due to lower net loss and loss adjustment expenses.
Share Repurchase Program
The company restarted its share repurchase program, buying back 106,000 shares for $2.3 million, reflecting confidence in the company's valuation.
Increase in Book Value Per Share
Book value per share increased to $14.15, up 49% from the fourth quarter of 2024 and 56% from the third quarter of 2024.
HRTG Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HRTG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 05, 2025 | $24.76 | $27.85 | +12.48% |
Aug 05, 2025 | $21.66 | $19.02 | -12.19% |
May 06, 2025 | $19.83 | $24.30 | +22.54% |
Mar 11, 2025 | $11.88 | $12.00 | +1.01% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Heritage Insurance Holdings (HRTG) report earnings?
Heritage Insurance Holdings (HRTG) is schdueled to report earning on Feb 26, 2026, After Close (Confirmed).
What is Heritage Insurance Holdings (HRTG) earnings time?
Heritage Insurance Holdings (HRTG) earnings time is at Feb 26, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HRTG EPS forecast?
HRTG EPS forecast for the fiscal quarter 2025 (Q4) is 0.98.